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Ask The Get Out of Debt Experts

I Had Good Credit and Then Got Behind. I Want a Quick Way to Raise My Credit Score. – Tim

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“Dear Steve, Score was 720 a few years ago than the economy and credit card processors held my companies money! Now my score is in the 400s how do I get it back up So I had a great credit score, the economy tanked and my credit card processor at the time started to hold funds on my business without ... Read More »

I Was Working in the UAE But Medical Issues Caused Me to Stop Paying. – Gijo

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“Dear Jon, I was working in UAE for 2 years from 2007 to 2009 and i left uae without cancelling my visa and i had credit card and bank loan. I got another job in GCC soon and i was repaying loan and creditcard. Suddenly my baby had some medical issues and my repayment stopped. Loan was 21000.00 and credit ... Read More »

My Problem is With Mitchell Stein and Kramer-Kaslow. – Char

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“Dear Steve, My problem is I paid Mitchell Stein, Kramer-Kaslow $6000.00 to help me with my financial situation. I was never told the truth from the beginning (foreclosure?). I still have the papers from Mitchel Stein, I had talked to someone about where is my copy of Kramer signing it since it switched hands. As soon as they zapped the ... Read More »

Apartment Complex Debt is Listed Twice on My Credit Report. – Lori

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“Dear Steve, Hello, about 4 years ago I lived in these apartments. Due to some financial problems my mother and I were faced with the fact that we needed to move. We then moved out unexpectedly. Years later I recieved a letter in the mail from the debt collections stating that I needed to pay them $1,658 (for leaving without ... Read More »

How Should I Calculate the Refund Due From the Debt Relief Company? – Matthew

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“Dear Steve, Hi Steve, I’ve recently made the decision to purchase a home but before I can I need to raise my credit score. As a consequence of that I’ve decided to attempt to settle with old creditors for a change of the status they are reporting to the credit bureaus. A bit more info: I made the unfortunate decision ... Read More »

I Want to Come Back to the UK But I Left Debt There. – Klair

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“Dear Jon, I have some debts in UK (around 5K). It has been 2.5 years, Since i have moved from UK to my home country due to some family reasons. since then i never heard of anything from any of my creditors in my home country. Now i want to come back to UK again, and i want to review ... Read More »

Raised in a Foster Home and Suffering With Bad Credit. – Dwayne

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“Dear Steve, As a child i grew up in foster homes. my real parents put bills in my name as i was a child no where in there life. ive tryed hard to overcome the life style i was raised till i was 13 & put in foster care but its just so hard not having family & starting with ... Read More »

I’m a Marine Corps Officer Waiting for Basic School With Student Loan Debt. – John

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“Dear Steve, Marine 2nd Lt. awaiting orders for The Basic School, wont be able to pay loans after grace initial grace period passes I was commissioned a 2nd Lt. in the Marine Corps shortly after graduating college with an engineering degree. I volunteered to serve and owe the government nothing for joining (didn’t do ROTC or anything like that). As ... Read More »

Is Remedy Law the Same as Prudent Law with Pamela Gerber Gressier? – Karen

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“Dear Steve, I got a mailer from a firm today and called they were Remedy Law and i look at the website www.remedylaw.org and there attorney is the same as Prudent Law Pamela Gresser Gerber?? They wanhis firm wanted to charge us 4195.00 to do a loan refinance under the Harp 2 Program that is not legal Correct?? This firm ... Read More »

How Do I Get My Wife Removed From Our Judgment?

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“Dear Steve, My wife and I were married in Kansas . The next year I became sick and went to the hospital the bill was way beyond our ability to pay. A judgement has been placed in both our names. She did not sign any document with the hospital that states that she was liable to pay the bill. I ... Read More »

I Have Bad Credit But Settled Some Debts. How Fast Will My Credit Score Go Up? – Lorraine

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“Dear Steve, Bad credit score (595), and have a lot of accounts in collections. But I have paid them off for less than the full amount. The past week I’ve been on a debt relief spree and I managed to take care of 3 of my biggest accounts that were in collections. BUT I settled all of them for less ... Read More »

The IRS Sent My Payment Back Because of a Erroneous 1099. What Now? – William

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“Dear Jim, Filed 1040A early & got my refund. Received a 1099-DIV form later in April. The form was showing an amount that was slightly too high. In order to avoid interest charges, i went ahead and made a payment calculating the tax i would owe using the current 1099-DIV form by April 15. I did not file a 1040X ... Read More »

Moved to Canada from Dubai but Left Debt Behind. Collectors Threatening to Deport Me to Philippines

“Dear Steve, Two (2) years ago I moved here in Canada from Dubai, UAE leaving around AED 85,000 of credit card and personal loan liabilities, which now has an outstanding balance of AED 110,000. I accumulated this amount of credit since I lost my job twice. The first one is for six months and second one is for seven months. ... Read More »

I Don’t Want to be Ripped Off by Statefund Solutions. – Jessica

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“Dear Steve, I live in Kentucky and I’m trying to find out if statefund solutions is a real company. They are offering me a loan but I don’t want to be ripped off again. Jessica” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and ... Read More »

Got a Bad Credit Car Loan and Want to Refinance It

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“Dear Steve, I have bad credit and am in the process of cleaning things up, but this past February I had to replace my car and got a high interest loan. First off my wife loves your site. Any time she has questions, your site is the first site she goes to get answers and advice. I have bad credit ... Read More »

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